This Disclosure document is being offered to the client by BCGM Wealth Management, LLC (“BCGM” or “Firm”) about the investment advisory services we provide. It discloses information about our services and the way those services are made available to the client. We are an investment management firm located in Indiana. We specialize in investment advisory services for individuals, high net worth individuals, foundations, employee sponsored retirement plans, charitable organizations, trusts, and corporations. Our Firm became a registered investment adviser in January 2020 and is owned by William P. Gettings and Scott C. Busch. Andrew Armstrong is the Chief Compliance Officer. BCGM is doing business as Gettings Reed located at 672 Main St #300, Lafayette, IN 47901. In addition, BCGM is also doing business as Aurora Financial Strategies located at 2705 S Berkley Rd #1b, Kokomo, IN 46902. We are committed to helping clients build, manage and preserve their wealth, and to provide assistance that helps clients to achieve their stated financial goals. We will offer an initial complimentary meeting upon our discretion; however, investment advisory services are initiated only after the client and BCGM execute an Investment Management Agreement. INVESTMENT AND WEALTH MANAGEMENT AND SUPERVISION SERVICES We manage advisory accounts on a discretionary and non-discretionary basis. For discretionary accounts, once we have determined a profile and investment plan with a client, we will execute the day to day transactions without seeking prior client consent. Account supervision is guided by the written profile and investment plan of the client. We can accept accounts with certain restrictions, if circumstances warrant. We primarily allocate client assets among various equities, Exchanged Traded Funds (“ETFs”), no-load or load-waived mutual funds, or alternative investments in accordance with their stated investment objectives. During personal discussions with clients, we determine the client’s objectives, time horizons, risk tolerance, and liquidity needs. As appropriate, we also review a client’s prior investment history, as well as family composition and background. Based on client needs, we develop a client’s personal profile and investment plan. We then create and manage the client’s investments based on that policy and plan. It is the client’s obligation to notify us immediately if circumstances have changed with respect to their goals. Once we have determined the types of investments to be included in the client’s portfolio and allocated them, we will provide ongoing investment review and management services. This approach requires us to periodically review the client’s portfolio. With our discretionary relationship, we will make changes to the portfolio, as we deem appropriate, to meet the client’s financial objectives. We trade these portfolios based on the combination of our market views and the client’s objectives, using our investment process. We tailor our advisory services to meet the needs of our clients and seek to ensure that the client’s portfolio is managed in a manner consistent with those needs and objectives. The client will have the ability to leave standing instructions with us to refrain from investing in particular industries or invest in limited amounts of securities. If a non-discretionary relationship is in place, clients will be contacted for prior approval before action is taken on the client’s behalf. SEPTEMBER 2023 | PAGE 4 In all cases, the client has a direct and beneficial interest in the client’s securities, rather than an undivided interest in a pool of securities. We do have limited authority to direct the Custodian to deduct our investment advisory fees from the client’s accounts, but only with the appropriate written authorization from the client. Where appropriate, we provide advice about any type of legacy position held in client portfolios. Typically, these are assets that are ineligible to be custodied at our primary custodian. Clients will engage us to advise on certain investment products that are not maintained at their primary custodian, such as variable life insurance, annuity contracts, and assets held in employer sponsored retirement plans and qualified tuition plans (i.e., 529 plans). The client is advised and is expected to understand that our past performance is not a guarantee of future results. Certain market and economic risks exist that adversely affect an account’s performance. This could result in capital losses in the client’s account. FINANCIAL INSTITUTION CONSULTING SERVICES BCGM provides investment consulting services to certain broker dealer customers who provide a written consent requesting to receive the firm’s consulting services. The broker dealer customers have entered into a written advisory agreement with BCGM. FINANCIAL PLANNING & CONSULTING Through the financial planning process, our team strives to engage our clients in conversations around the family’s goals, objectives, priorities, vision, and legacy – both for the near term as well as for future generations. With the unique goals and circumstances of each family in mind, our team will offer financial planning ideas and strategies to address the client’s holistic financial picture, including estate, income tax, charitable, cash flow, wealth transfer, and family legacy objectives. Our team partners with our client’s other advisors (CPAs, Enrolled Agents, Estate Attorneys, Insurance Brokers, etc.) to ensure a coordinated effort of all parties toward the client’s stated goals. Such services include various reports on specific goals and objectives or general investment and/or planning recommendations, guidance to outside assets, and periodic updates. Our specific services in preparing the client’s plan could include:  Review and clarification of the client’s financial goals  Assessment of the client’s overall financial position including cash flow, balance sheet, investment strategy, risk management, and estate planning  Creation of a unique plan for each goal the client have including personal and business real estate, education, retirement or financial independence, charitable giving, estate planning, business succession, and other personal goals  Development of a goal-oriented investment plan, with input from various advisors to our clients around tax suggestions, asset allocation, expenses, risk, and liquidity factors for each goal. This includes IRA and qualified plans, taxable, and trust accounts that require special attention  Design of a risk management plan including risk tolerance, risk avoidance, mitigation, and transfer, including liquidity as well as various insurance and possible company benefits; and  Crafting and implementation of, in conjunction with the client’s estate and/or corporate attorneys as tax advisor, an estate plan to provide for the client and/or the client’s heirs in the event of an incapacity or death SEPTEMBER 2023 | PAGE 5 If requested by the client, our Firm can consult on the selection and use of alternative investments in a client portfolio. If suitable and appropriate to include in a client portfolio, our Firm will conduct the due diligence, provide recommendations and offer on-going consulting for the use of such investments. RETIREMENT PLAN SERVICES For employer-sponsored retirement plans with participant-directed investments or cash balance plans, our firm provides its advisory services as an investment advisor as defined under Section 3(21) or 3(38) of the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). When serving as an ERISA 3(38) investment manager, the Plan Sponsor is relieved of all fiduciary responsibility for the investment decisions made by Our Firm. Our Firm is a discretionary investment manager in accordance with the terms of a separate ERISA 3(38) Plan Sponsor Investment Management Agreement between Our Firm and the Plan Sponsor. Our Firm’s investment management is limited in that it has the discretion solely to replace funds in plan fund lineups and initiate the transfer of existing balances to the replacements without prior approval from the client. Our Firm provides the following services to the plan sponsor:  Select the investments.  Monitor the investments and replace investments when appropriate.  Provide a quarterly monitoring report.  Assist the plan sponsor in developing an Investment Policy Statement (“IPS”).  Provide a comprehensive fiduciary investment review designed to meet Plan Sponsor fiduciary responsibility and enhance the participant experience. This includes fiduciary education

as requested by the Department of Labor (DOL).  Recommend QDIA alternatives  Recommend non-discretionary model portfolios. When serving as an ERISA 3(21) investment advisor, the Plan Sponsor and Our Firm share fiduciary responsibility. The Plan Sponsor retains ultimate decision-making authority for the investments and can accept or reject the recommendations in accordance with the terms of a separate ERISA 3(21) Plan Sponsor Investment Management Agreement between our Firm and the Plan Sponsor. Under the 3(21) agreement, Our Firm provides the following services to the Plan Sponsor:  Screen investments and make recommendations.  Monitor the investments and suggests replacement investments when appropriate.  Provide a quarterly monitoring report.  Assist the plan sponsor in developing an Investment Policy Statement (“IPS”).  Recommend QDIA alternatives.  Recommend non-discretionary model portfolios. SEPTEMBER 2023 | PAGE 6 We can also be engaged to provide Plan Consulting Services. Plan Consulting Services include financial education to Plan participants, benchmarking the Plan services, education to fiduciary committee members, and monitoring the service provider. The scope of education provided to participants will not constitute “investment advice” within the meaning of ERISA and participant education will relate to general principles for investing and information about the investment options currently in the Plan. We can also participate in initial enrollment meetings and periodic workshops and enrollment meetings for new participants. USE OF THIRD-PARTY MONEY MANAGERS Our firm could determine that engaging the expertise of an independent third-party money manager is best suited for the client’s account. If deemed appropriate for the client, our firm will recommend utilizing an independent third-party investment adviser to aid in the implementation of investment strategies for the client’s portfolio. In certain circumstances, we can allocate a portion of a portfolio to an independent third- party investment adviser (“Manager”) for separate account management based upon the client’s individual circumstances and objectives, including, but not limited to, your account size and tax circumstances. Upon the recognition of such situations, in coordination with the client, the client will engage directly with the Manager for the management of those assets. These Managers shall assist our Firm in managing the day‐ to‐day investment operations of the various allocations, shall determine the composition of the investments comprising the allocation, shall determine what securities and other assets of the allocation will be acquired, held, disposed of or loaned in conformity with the written investment objectives, policies and restrictions and other statements of each client comprising the allocation, or as instructed by our Firm. Managers selected for your investments need to meet several quantitative and qualitative criteria established by us. Among the criteria that could be considered are the Manager’s experience, assets under management, performance record, client retention, the level of client services provided, investment style, buy and sell disciplines, capitalization level, and the general investment process. The Client is advised and should understand that: ● A Manager’s past performance is no guarantee of future results; ● There is a certain market and/or interest rate risk which can adversely affect any Manager’s objectives and strategies, and could cause a loss in a Client's account(s); and ● Client risk parameters or comparative index selections provided to our firm are guidelines only and there is no guarantee that they will be met or not be exceeded. Managers can take discretionary authority to determine the securities to be purchased and sold for the client. Our firm will work with the Manager to communicate any trading restrictions or standing instructions to refrain from a particular industry requested by the Client. In all cases, trading restrictions will depend on the Manager and their ability to accommodate such restrictions. All performance reporting will be the responsibility of the respective Manager. Such performance reports will be provided directly to you and our firm. Disclosures will indicate which firm is providing the reporting. Our Firm has entered into agreements with various independent Managers. All third-party Managers to whom we will refer clients will be licensed as registered investment advisors by their resident state and any applicable jurisdictions or registered investment advisors with the Securities and Exchange Commission. A complete description of the Manager’s services, fee schedules and account minimums will be disclosed in the Manager’s Form ADV or similar Disclosure Brochure. SEPTEMBER 2023 | PAGE 7 We review the performance of our Managers on at least a quarterly basis. More frequent reviews can be triggered by changes in Manager’s management, performance or geopolitical and macroeconomic specific events. Our Firm only enters into only a select number of relationships with Managers. Our Firm will receive a portion of the overall advisory fee charged to our clients directly from the Manager. CO-BRANDED INVESTMENT ADVISOR REPRESENTATIVES Our firm offers services through our network of investment advisor representatives (“Advisor Representatives” or “IARs”). IARs could have their own legal business entities whose trade names and logos are used for marketing purposes and can appear on marketing materials or client statements. The Client should understand that the businesses are legal entities of the IAR and not of our firm, BCGM . The IARs are under the supervision of our firm and the advisory services of the IAR are provided through our firm. A complete listing of the entities are listed on our ADV Part 1. DISCLOSURE REGARDING ROLLOVER RECOMMENDATIONS A client or prospect leaving an employer typically has four options regarding an existing retirement plan (and could engage in a combination of these options): (i) leave the money in the former employer’s plan, if permitted, (ii) roll over the assets to the new employer’s plan, if one is available and rollovers are permitted, (iii) rollover to an Individual Retirement Account (“IRA”), or (iv) cash out the account value (which could, depending upon the client’s age, result in adverse tax consequences). Our Firm can recommend an investor roll over plan assets to an IRA for which our Firm provides investment advisory services. As a result, our Firm and its representatives can earn an asset-based fee. In contrast, a recommendation that a client or prospective client leave their plan assets with their previous employer or roll over the assets to a plan sponsored by a new employer will generally result in no compensation to our Firm. Our Firm therefore has an economic incentive to encourage a client to roll plan assets into an IRA that our Firm will manage, which presents a conflict of interest. To mitigate the conflict of interest, there are various factors that our Firm will consider before recommending a rollover, including but not limited to: (i) the investment options available in the plan versus the investment options available in an IRA, (ii) fees and expenses in the plan versus the fees and expenses in an IRA, (iii) the services and responsiveness of the plan’s investment professionals versus those of our Firm, (iv) protection of assets from creditors and legal judgments, (v) required minimum distributions and age considerations, and (vi) employer stock tax consequences, if any. All rollover recommendations are reviewed by our Firm’s Chief Compliance Officer and remains available to address any questions that a client or prospective client has regarding the oversight. We are fiduciaries under the Investment Advisers Act of 1940 and when we provide investment advice to you regarding your retirement plan account or individual retirement account, we are also fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. We have to act in your best interest and not put our interest ahead of yours. At the same time, the way we make money creates some conflicts with your interests. WRAP FEE PROGRAMS We do not place any client assets into Wrap Fee Programs. SEPTEMBER 2023 | PAGE 8 ASSETS As of December 31, 2023, our Firm manages $376,205,837 in total regulatory assets under management. Discretionary assets under our management total $333,591,492 and non-discretionary assets total $42,614,345.